Warwick City property record for 185 Kirby Ave, Warwick, RI 02889
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,912 sqft · built 1969 |
| Lot Size | 0.958 acres (41,718 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Aug 2009) |
| Tax Bill | $7,648 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jan 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38201450000 |
| Primary APN | 38201450000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,912 sqft Living Area |
| Gross Area | 6,092 sqft |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 756 sqft |
| Unfinished Basement | 756 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,718 sqft (0.958 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 700035873 |
|---|---|
| Street Address | 185 KIRBY AVE |
| City | WARWICK |
| State | RI |
| Zip | 02889-6716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A40 |
| Legal Block | 145 |
| Jurisdiction | WARWICK RI |
| Township / Civil Division | WARWICK |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 21600 |
185 Kirby Ave is owned and occupied by two individuals who bought it in August 2009.
Source: Warwick City records, as of June 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 KIRBY AVE, WARWICK, RI 02889-6716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 18, 2021 | Deed of Trust, Mortgage · Balloon Mortgage SANTANDER BANK NA |
| Jan 10, 2018 | Deed of Trust, Mortgage SANTANDER BANK NA |
| Jan 10, 2018 | Deed of Trust, Mortgage SANTANDER BANK NA |
| May 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2009 · Amount on File |
| Deed Sale | Aug 27, 2009 · Amount on File |
| Prior Sale | May 30, 2003 · Amount on File |
| Deed Book / Page | 7128 / 252 |
| Transfer Doc | 8452-162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 185 KIRBY AVE, WARWICK, RI 02889-6716 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9844-302 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 9844/302 |
| Instrument | 10390 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 185 KIRBY AVE, WARWICK, RI 02889-6716 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8979-274 |
|---|---|
| Date | Jan 10, 2018 |
| Book Page | 8979/274 |
| Instrument | 495 |
| Name | SANTANDER BANK NA |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jan 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 185 KIRBY AVE, WARWICK, RI 02889-6716 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8979-289 |
|---|---|
| Date | Jan 10, 2018 |
| Book Page | 8979/289 |
| Instrument | 496 |
| Name | SANTANDER BANK NA |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARWICK RI |
| Property Address | 185 KIRBY AVE, WARWICK, RI 02889-6716 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 9524-297 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 9524/297 |
| Instrument | 7421 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
The 2025 property tax bill for 185 Kirby Ave was $7,648.
Source: Warwick City assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| Municipality | Warwick City |
| Unified School District | Warwick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,648.00 | $602,200 Land $167,000 Building $435,200 | |
| 2024 | $782,325 | ||
| 2023 | $7,704.00 (+6.78%) | $542,900 (+40.94%) Land $150,200 Building $392,700 | |
| 2022 | $7,215.00 | $385,200 Land $81,900 Building $303,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Kirby Ave in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective December 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 12 (1978–2023) |
| Claims Outside the SFHA | 7 of 12 |
| Most Recent Claim | Dec 2023 · Severe Storm And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 185 Kirby Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 91% of Rhode Island |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WARWICK-CITY OF serves 73,289 people · EPA ID RI1615627 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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